Disclaimer

This document is intended for information purposes only. The data in this document does not represent
statutory accounts but has been extracted thereof. Komerční banka, a.s. cannot accept liability for any
misprints or other errors.

It is not an offer or solicitation of any offers to purchase or sell any securities, currency or financial
instrument.

Copyright © 2007-2024 Komerční banka, a.s.

Consolidated Profit and Loss Statement of Komerční banka, a.s. - IFRS

Note: As from 1 January 2019, KB reclassified charges for reservation of funds (commitment fees) from ‘Net fee and commission income’ to ‘Net interest income’. The data for the comparative period have been restated.

CZK million
v milionech Kč

4Q 2023 3Q 2023 2Q 2023 1Q 2023 4Q 2022* 3Q 2022* 2Q 2022* 1Q 2022 4Q 2021 3Q 2021 2Q 2021 1Q 2021 4Q 2020 3Q 2020 2Q 2020 1Q 2020 4Q 2019 3Q 2019 2Q 2019 1Q 2019 4Q 2018

(unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited)
(neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno)

Interest income Výnosy z úroků 31,892 30,908 29,122 27,206 27,867 26,198 22,214 16,867 12,046 8,547 7,516 7,448 7,668 7,923 9,297 11,598 11,550 11,275 10,817 10,363 9,796
Interest expense Náklady na úroky -25,616 -24,401 -22,659 -20,857 -20,735 -18,856 -14,912 -10,011 -5,599 -3,156 -2,564 -2,444 -2,406 -2,668 -4,298 -5,753 -5,629 -5,365 -4,950 -4,471 -3,765
Net interest income Čisté úrokové výnosy 6,276 6,507 6,463 6,349 7,132 7,342 7,302 6,856 6,448 5,390 4,953 5,004 5,261 5,256 4,998 5,845 5,921 5,911 5,867 5,892 6,030
Net fee and commission income Čistý výnos z poplatků a provizí 1,817 1,548 1,534 1,515 1,673 1,478 1,477 1,493 1,545 1,376 1,418 1,374 1,350 1,234 1,273 1,353 1,542 1,480 1,533 1,428 1,579
Net profit/(loss) on financial Čistý zisk / (ztráta) z finančních operací 993 776 1,063 1,000 753 967 864 1,081 675 1,000 953 1,002 666 710 920 589 628 839 768 571 790
Dividend income Výnosy z dividend 0 -2 2 0 0 0 2 0 0 0 2 0 1 1 3 1 1 1 2 1 1
Other income Ostatní výnosy 115 70 80 93 67 50 47 47 50 58 58 41 40 62 49 54 44 35 47 64 71
Net banking income Čisté provozní výnosy 9,200 8,899 9,142 8,958 9,627 9,838 9,690 9,477 8,719 7,823 7,383 7,422 7,318 7,263 7,241 7,841 8,136 8,265 8,216 7,956 8,472
Personnel expenses Personální náklady -2,114 -2,152 -2,125 -1,944 -2,003 -1,944 -1,916 -1,871 -1,939 -1,933 -1,843 -1,824 -1,836 -1,927 -1,947 -1,940 -1,959 -1,978 -1,939 -1,905 -1,896
Všeobecné provozní náklady (bez zahrnutí poplatků do
General admin. expenses (excl. regulatory funds) Fondu pro řešení krize a podobných fondů) -1,292 -886 -1,021 -1,102 -1,152 -947 -973 -893 -1,105 -871 -923 -816 -952 -878 -951 -892 -1,094 -910 -994 -841 -1,224
Resolution and similar funds Fond pro řešení krize a podobné fondy -8 -7 -111 -1,166 -6 -6 -14 -1,267 -6 -5 -22 -1,009 -4 -3 8 -942 -4 -3 -1 -846 -4
Depreciation, amortisation and impairment of operating
assets Odpisy, amortizace a znehodnocení majetku -895 -874 -829 -795 -773 -760 -752 -738 -695 -713 -703 -692 -771 -675 -653 -631 -651 -621 -589 -596 -494
Total operating expenses Provozní náklady celkem -4,308 -3,920 -4,086 -5,007 -3,935 -3,656 -3,655 -4,768 -3,745 -3,522 -3,491 -4,341 -3,562 -3,482 -3,544 -4,406 -3,708 -3,512 -3,524 -4,188 -3,619
Operating profit Provozní zisk 4,892 4,979 5,056 3,951 5,692 6,181 6,036 4,709 4,974 4,300 3,892 3,081 3,756 3,781 3,697 3,435 4,428 4,753 4,692 3,768 4,853
Impairment losses Ztráty ze znehodnocení -1,037 6 464 447 43 -666 -328 -158 -21 -61 -95 -598 -1,177 -1,695 -1,594 -235 98 -49 -118 122 -61
Net gain from loans and advances transferred and
written off Čistý zisk z prodeje a odpisu úvěrů a pohledávek -14 133 2 -15 7 -3 44 -120 9 9 14 12 6 16 20 81 146 22 296 55 45
Cost of risk Náklady na riziko -1,051 138 467 432 50 -669 -284 -278 -12 -51 -82 -586 -1,170 -1,678 -1,576 -154 244 -26 178 176 -17
Zisk před výsledky z majetkových účastí a daní z
Net operating income příjmů 3,840 5,118 5,522 4,384 5,742 5,512 5,752 4,431 4,962 4,249 3,810 2,495 2,585 2,103 2,122 3,281 4,671 4,726 4,870 3,944 4,836
Výnosy z majetkových účastí v přidružených
Income from share of associated undertakings* společnostech* 122 81 65 62 50 57 60 48 53 62 50 57 56 49 65 78 91 74 80 62 66
Čistý zisk/(ztráta) z dceřiných a přidružených
Net profit/(loss) on subsidiaries and associates společností 0 0 0 0 0 73 0 0 0 0 25 0 1 -41 0 0 0 0 55 0 0
Net profits on other assets Čisté zisky z ostatních aktiv -81 1 -6 -1 -25 15 153 -33 230 3 20 5 -10 -7 -13 15 2 1 14 0 -30
Profit before income taxes* Zisk před zdaněním* 3,883 5,199 5,581 4,444 5,768 5,657 5,966 4,446 5,244 4,315 3,904 2,557 2,632 2,104 2,175 3,374 4,764 4,801 5,019 4,007 4,872
Income taxes Daň z příjmů -595 -861 -999 -833 -1,068 -950 -1,111 -869 -1,012 -813 -710 -492 -510 -405 -424 -646 -889 -883 -890 -757 -921
Net profit for the period* Zisk za účetní období* 3,288 4,338 4,582 3,611 4,700 4,707 4,854 3,577 4,232 3,502 3,194 2,064 2,122 1,698 1,751 2,728 3,875 3,918 4,129 3,249 3,951
Profit attributable to the Non-controlling owners Zisk připadající vlastníkům nekontrolního podílu 28 72 57 50 68 42 43 64 62 71 65 67 48 53 -28 70 35 70 93 73 63

Profit attributable to the Group’s equity holders* Zisk připadající vlastníkům mateřské společnosti* 3,259 4,267 4,525 3,561 4,632 4,664 4,812 3,513 4,169 3,432 3,129 1,997 2,074 1,646 1,779 2,658 3,840 3,848 4,036 3,176 3,888
Earnings per share/diluted earnings per share (in Zisk na akcii/Zředěný zisk na akcii (v Kč,
CZK, annualized)* anualizované)* 69.03 90.38 95.84 75.42 98.11 98.78 101.92 74.41 88.30 72.69 66.27 42.30 43.93 34.86 37.68 56.30 81.33 81.50 85.48 67.27 82.35

* Adoption of IFRS 17 in Komerční pojišťovna led to restatement of Income from share of associated undertakings with effect as from 30 June 2022
Net fees & commissions structure
Note: NFC for 2018 quarters and 4Q 2017 presented in reporting methodology applied from 2019

CZK million
v milionech Kč

4Q 2023 3Q 2023 2Q 2023 1Q 2023 4Q 2022 3Q 2022 2Q 2022 1Q 2022 4Q 2021 3Q 2021 2Q 2021 1Q 2021 4Q 2020 3Q 2020 2Q 2020 1Q 2020 4Q 2019 3Q 2019 2Q 2019 1Q 2019 4Q 2018

(unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited)
(neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno)
Transaction fees Poplatky z transakcí 482 447 455 432 512 438 455 401 441 414 406 345 425 431 410 452 591 602 624 582 677
Deposit product fees Poplatky z depozitních produktů 198 200 201 205 205 200 183 196 195 196 198 199 188 185 198 196 195 199 198 198 196
Loan fees Poplatky z úvěrů 110 103 107 111 105 98 106 106 120 110 118 101 130 96 110 129 158 131 136 117 139
Fees from cross-selling Poplatky z křížového prodeje 657 493 492 473 548 439 440 486 519 420 408 429 409 352 358 357 386 333 345 316 382
Specialised financial services & Other fees Poplatky ze specializovaných služeb & Ostatní poplatky 371 305 278 294 304 303 291 306 269 235 287 300 198 171 195 219 213 215 230 215 186
Net fees & commissions Čisté výnosy z poplatků a provizí 1,817 1,548 1,535 1,514 1,674 1,478 1,477 1,493 1,544 1,376 1,418 1,374 1,350 1,235 1,273 1,353 1,543 1,480 1,533 1,428 1,579

As from 1 January 2019, KB reclassified charges for reservation of funds (commitment fees) from ‘Net fee and commission income’ to ‘Net interest income’. The data for the comparative period have been restated.
Consolidated Balance Sheet of Komerční banka, a.s. - IFRS

CZK million
v milionech Kč

31 Dec 2023 30 Sep 2023 30 Jun 2023 31 Mar 2023 31 Dec 2022* 30 Sep 2022* 30 Jun 2022* 31 Mar 2022 31 Dec 2021 30 Sep 2021 30 Jun 2021 31 Mar 2021 31 Dec 2020 30 Sep 2020 30 Jun 2020 31 Mar 2020 31 Dec 2019 30 Sep 2019 30 Jun 2019 31 Mar 2019

(unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited) (unaudited)
Assets Aktiva (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno) (neauditováno)
Cash and current balances with central banks Hotovost a účty u centrálních bank 12,835 11,590 11,913 16,967 14,190 25,497 21,383 57,491 29,947 79,070 24,279 23,612 23,547 47,764 27,510 29,445 17,744 30,514 22,425 18,164
Financial and other assets held for trading at fair Finanční a ostatní aktiva k obchodování v reálné
value through profit or loss hodnotě vykázaná do zisku nebo ztráty 48,464 47,399 48,152 55,410 57,269 61,555 54,579 43,615 41,142 31,364 29,670 29,562 25,600 38,047 44,399 41,315 23,398 34,282 28,257 24,167
Non-trading financial assets at fair value through Finanční aktiva jiná než k obchodování v reálné
profit or loss hodnotě vykázaná do zisku nebo ztráty 0 0 0 129 132 133 135 132 135 0 0 0 279 315 0 0 0 0 0 0
Positive fair value of hedging financial derivatives Zajišťovací deriváty s kladnou reálnou hodnotou 8,598 13,743 16,234 19,842 21,582 22,549 22,564 17,283 14,315 8,265 7,307 8,410 13,317 20,734 22,724 20,356 9,996 14,037 12,314 10,932
Financial assets at fair value through other Finanční aktiva v reálné hodnotě vykázané do
comprehensive income Ostatního úplného výsledku 16,783 18,964 27,414 28,878 30,171 30,133 31,049 33,436 35,568 37,789 38,729 40,028 40,198 41,458 45,085 37,494 36,204 35,428 32,263 28,394
Financial assets at amortised cost Finanční aktiva v naběhlé hodnotě 1,397,423 1,390,860 1,334,050 1,281,013 1,154,138 1,325,906 1,333,915 1,219,119 1,095,861 1,194,342 1,189,671 1,152,316 1,035,401 1,087,493 1,079,552 1,083,558 963,401 1,086,110 1,063,869 1,025,771
Loans and advances to banks Pohledávky za bankami 411,644 428,191 383,240 339,065 233,398 420,753 455,150 349,137 257,196 374,771 377,833 368,290 262,606 314,422 319,222 342,931 244,561 366,063 349,218 319,000
Loans and advances to customers, net Úvěry a pohledávky za klienty (čisté) 833,542 810,314 797,985 788,248 781,463 776,560 757,528 738,500 724,587 709,811 692,814 679,531 679,956 683,684 671,699 661,387 647,259 646,916 641,514 628,571
o/w Reverse repo transactions z toho Reverzní repo operace 0 0 0 0 0 0 0 0 0 0 0 681 0 3,060 4,033 2,813 2,604 3,110 6,946 3,198
Debt securities Dluhové cenné papíry 152,238 152,355 152,825 153,700 139,276 128,593 121,237 131,481 114,078 109,760 119,024 104,495 92,839 89,387 88,632 79,239 71,581 73,130 73,137 78,200
o/w Corporate debt securities z toho Dluhopisy vydané klienty Banky 4,444 4,215 4,258 3,632 3,733 3,860 4,121 5,453 5,591 5,234 5,351 5,796 3,155 3,150 3,180 3,190 3,160 3,262 3,324 3,345
Current tax assets Daň z příjmů 643 244 110 61 83 39 38 30 18 276 1,725 1,534 1,183 896 302 57 30 23 64 55
Deferred tax assets Odložená daňová pohledávka 223 197 190 186 202 167 140 112 91 73 71 72 78 68 56 160 70 63 59 67
Investments in (subsidiaries) and associates* Majetkové účasti v přidružených společnostech* 3,047 2,900 2,815 2,724 2,652 2,600 2,185 551 1,567 1,477 1,647 1,598 1,587 1,471 1,459 1,337 1,255 1,160 1,080 1,220
Intangible assets Nehmotný majetek 10,192 9,997 9,792 9,355 9,030 8,655 8,335 8,055 7,878 7,483 7,315 7,097 6,898 6,452 6,338 6,168 6,018 5,753 5,573 5,341
Tangible assets Hmotný majetek 8,034 7,803 8,766 8,685 8,762 8,617 8,685 8,732 8,983 9,352 9,602 9,736 9,758 9,970 10,243 10,385 10,528 10,365 10,518 10,268
o/w Right of used Tangible assets z toho Hmotný majetek z užívacího práva 2,447 2,404 2,504 2,297 2,344 2,298 2,368 2,412 2,490 2,638 2,656 2,629 2,606 2,748 2,905 2,997 3,020 2,893 2,981 2,762
Goodwill Goodwill 3,752 3,752 3,752 3,752 3,752 3,752 3,752 3,752 3,752 3,752 3,752 3,752 3,752 3,752 3,752 3,752 3,752 3,752 3,752 3,752
Other assets Ostatní aktiva 6,309 4,660 4,086 4,058 3,341 4,066 3,743 5,990 5,876 5,692 4,837 5,774 5,533 5,112 5,194 6,080 4,938 5,387 5,819 5,214
Total assets* Celková aktiva* 1,516,302 1,512,109 1,467,274 1,431,062 1,305,304 1,493,670 1,490,502 1,398,297 1,245,134 1,378,937 1,318,604 1,283,490 1,167,131 1,263,532 1,246,614 1,240,106 1,077,334 1,226,874 1,185,993 1,133,345

Liabilities and shareholders´ equity Závazky a vlastní kapitál 31 Dec 2023 30 Sep 2023 30 Jun 2023 31 Mar 2023 31 Dec 2022* 30 Sep 2022* 30 Jun 2022* 31 Mar 2022 31 Dec 2021 30 Sep 2021 30 Jun 2021 31 Mar 2021 31 Dec 2020 30 Sep 2020 30 Jun 2020 31 Mar 2020 31 Dec 2019 30 Sep 2019 30 Jun 2019 31 Mar 2019
Amounts due to central banks Závazky vůči centrálním bankám 0 0 0 0 0 0 0 0 0 0 0 0 0 2 2 0 1 1 1 1
Financial liabilities held for trading at fair value Finanční závazky k obchodování v reálné hodnotě
through profit or loss vykázaná do zisku nebo ztráty 60,206 59,989 62,142 65,739 66,949 69,602 58,355 47,582 39,933 26,571 22,241 23,332 25,169 28,204 26,722 35,325 23,725 26,162 25,370 22,957

Negative fair value of hedging financial derivatives Zajišťovací deriváty se zápornou reálnou hodnotou 31,241 46,933 44,867 50,330 56,746 62,247 62,274 44,637 34,957 18,916 10,275 11,104 8,760 10,682 10,998 10,918 10,283 9,320 9,010 9,999
Financial liabilities at amortised cost Finanční závazky v naběhlé hodnotě 1,247,773 1,257,860 1,211,465 1,175,993 1,050,337 1,245,156 1,265,971 1,190,442 1,056,483 1,200,932 1,148,199 1,115,400 996,593 1,075,836 1,061,158 1,048,756 921,725 1,058,970 1,025,956 972,794
Amounts due to banks Závazky vůči bankám 105,694 118,659 105,292 82,094 85,176 109,738 147,266 124,097 83,372 90,385 98,706 85,892 86,572 105,873 122,004 117,905 93,581 151,436 124,838 109,720
Amounts due to customers Závazky vůči klientům 1,127,228 1,124,553 1,091,739 1,079,799 950,692 1,120,532 1,103,643 1,051,287 956,929 1,093,858 1,032,789 1,012,479 906,217 966,117 933,635 923,663 821,506 899,950 892,997 856,629
o/w Repo transactions with customers z toho Repo operace s klienty 121,043 102,157 97,056 100,282 33,876 110,393 79,371 36,193 8,310 50,799 35,880 26,786 13,173 35,738 35,261 28,783 5,206 39,733 54,365 30,573
Securities issued Emitované cenné papíry 12,431 12,246 11,946 11,832 12,156 12,587 12,689 12,626 13,666 14,017 14,014 14,353 1,148 1,063 2,583 4,156 3,621 4,719 5,183 3,727
Lease Liability Závazky z leasingu 2,421 2,403 2,488 2,268 2,312 2,299 2,373 2,431 2,516 2,672 2,690 2,677 2,657 2,784 2,936 3,031 3,016 2,866 2,939 2,718
Current tax liabilities Daň z příjmů 225 29 1,859 1,598 1,529 1,255 1,239 764 395 57 68 48 50 41 37 256 363 310 297 201
Deferred tax liabilities Odložený daňový závazek 782 982 959 1,053 1,080 930 1,076 1,054 1,175 1,053 839 710 708 755 741 663 840 737 724 709
Subordinated and senior non-preferred debt Podřízený a seniorní nepreferovaný dluh 64,560 50,083 48,818 37,713 38,694 20,885 8,665 2,442 2,490 2,554 2,553 2,619 2,629 2,726 2,680 2,738 2,546 2,587 2,550 2,586
Other liabilities Ostatní pasiva -16,768 -28,875 -23,716 -29,610 -34,708 -37,133 -33,837 -18,181 -17,862 1,682 11,559 11,150 16,163 30,606 31,466 31,221 9,216 24,123 21,304 17,436
Total liabilities Celková pasiva 1,388,018 1,387,001 1,346,393 1,302,815 1,180,628 1,362,942 1,363,743 1,268,741 1,117,571 1,251,764 1,195,734 1,164,362 1,050,073 1,148,853 1,133,805 1,129,877 968,699 1,122,209 1,085,212 1,026,682
Equity Vlastní kapitál
Share capital Základní kapitál 19,005 19,005 19,005 19,005 19,005 19,005 19,005 19,005 19,005 19,005 19,005 19,005 19,005 19,005 19,005 19,005 19,005 19,005 19,005 19,005
Share premium, funds, retained earnings, Emisní ážio, fondy, nerozdělený zisk, oceňovací
revaluation, and net profit for the period* rozdíly a zisk za účetní období* 106,053 102,908 98,755 105,962 102,438 108,557 104,630 107,217 105,286 104,726 100,493 96,814 94,810 92,476 90,661 88,049 86,535 82,597 78,786 84,186
Non-controlling interest Nekontrolní podíl 3,226 3,195 3,121 3,279 3,232 3,166 3,125 3,335 3,273 3,443 3,372 3,309 3,242 3,199 3,144 3,175 3,095 3,062 2,990 3,472
Total equity* Vlastní kapitál* 128,284 125,108 120,881 128,246 124,676 130,727 126,760 129,556 127,564 127,173 122,870 119,129 117,058 114,680 112,810 110,229 108,635 104,664 100,781 106,663
Total liabilities and shareholders´ equity* Pasiva a vlastní kapitál celkem* 1,516,302 1,512,109 1,467,274 1,431,062 1,305,304 1,493,670 1,490,502 1,398,297 1,245,134 1,378,937 1,318,604 1,283,490 1,167,131 1,263,532 1,246,614 1,240,106 1,077,334 1,226,874 1,185,993 1,133,345
Selected business data
4Q 2023 3Q 2023 2Q 2023 1Q 2023 4Q 2022 3Q 2022 2Q 2022 1Q 2022 4Q 2021 3Q 2021 2Q 2021 1Q 2021 4Q 2020 3Q 2020 2Q 2020 1Q 2020 4Q 2019 3Q 2019 2Q 2019 1Q 2019 4Q 2018
Clients
KB 1,664,000 1,665,000 1,661,000 1,656,000 1,652,000 1,651,000 1,650,000 1,636,000 1,625,000 1,623,000 1,621,000 1,641,000 1,641,000 1,651,000 1,657,000 1,663,000 1,664,000 1,662,000 1,662,000 1,661,000 1,667,000
- o/w individual clients 1,422,000 1,421,000 1,417,000 1,412,000 1,408,000 1,407,000 1,407,000 1,393,000 1,383,000 1,380,000 1,378,000 1,391,000 1,389,000 1,397,000 1,402,000 1,407,000 1,407,000 1,405,000 1,405,000 1,404,000 1,410,000
- o/w internet banking clients 1,564,000 1,549,000 1,538,000 1,526,000 1,515,000 1,509,000 1,503,000 1,484,000 1,465,000 1,457,000 1,447,000 1,450,000 1,443,000 1,440,000 1,433,000 1,431,000 1,423,000 1,414,000 1,405,000 1,396,000 1,389,000
- o/w mobile banking clients 1,283,000 1,231,000 1,200,000 1,172,000 1,145,000 1,122,000 1,099,000 1,066,000 1,034,000 1,008,000 980,000 959,000 932,000 904,000 868,000 836,000 786,000 744,000 699,000 656,000 611,000
- KB key authentication users 1,194,000 1,166,000 1,140,000 1,116,000 1,089,000 1,065,000 1,036,000 999,000 963,000 935,000 904,000 867,000 812,000 740,000 670,000 568,000 477,000 381,000 260,000 153,000 51,000
MPSS 242,000 244,000 244,000 244,000 243,000 244,000 243,000 243,000 242,000 243,000 243,000 249,000 252,000 254,000 255,000 256,000 256,000 256,000 257,000 257,000 258,000
KB PS 429,000 438,000 446,000 451,000 461,000 464,000 472,000 478,000 485,000 484,000 487,000 486,000 485,000 480,000 483,000 488,000 490,000 485,000 489,000 491,000 490,000
ESSOX 474,000 482,000 491,000 500,000 505,000 509,000 512,000 517,000 520,000 522,000 523,000 525,000 525,000 526,000 527,000 530,000 531,000 531,000 532,000 532,000 532,000

Direct Channels
KB Payment cards - active 1,715,000 1,711,000 1,693,000 1,693,000 1,666,000 1,655,000 1,644,000 1,630,000 1,604,000 1,598,000 1,591,000 1,595,000 1,588,000 1,593,000 1,587,000 1,585,000 1,581,000 1,578,000 1,570,000 1,570,000 1,565,000
- o/w debit cards 1,499,000 1,499,000 1,487,000 1,490,000 1,473,000 1,464,000 1,456,000 1,445,000 1,420,000 1,415,000 1,408,000 1,413,000 1,407,000 1,411,000 1,406,000 1,403,000 1,402,000 1,398,000 1,391,000 1,393,000 1,388,000
- o/w credit cards 215,000 212,000 206,000 202,000 194,000 191,000 188,000 186,000 184,000 183,000 183,000 182,000 181,000 182,000 181,000 181,000 180,000 179,000 179,000 177,000 178,000
ESSOX credit cards - active 33,000 49,000 49,000 50,000 51,000 52,000 53,000 54,000 55,000 56,000 57,000 57,000 61,000 61,000 62,000 92,000 94,000 98,000 100,000 102,000 104,000

Loan portfolio
Mortgages to individuals
- outstanding volume (CZK million) 276,400 273,500 271,300 269,600 268,700 267,100 266,200 264,400 262,700 258,300 253,000 248,700 245,500 241,900 236,400 232,000 229,400 226,800 225,100 223,900 223,900

Consumer loans (KB + ESSOX)*

- outstanding volume (CZK million) 37,200 37,000 36,800 35,900 34,800 34,700 34,500 33,700 33,300 33,100 32,900 32,100 32,700 33,500 33,100 33,000 n.a. n.a. n.a. n.a. n.a.

MPSS (Bridging and assigned loans)

- outstanding volume (CZK million) 92,500 90,600 88,500 86,500 85,300 83,800 81,500 78,800 76,000 72,500 69,000 66,100 63,900 61,700 59,400 57,600 56,200 54,900 53,500 52,100 50,700

Loans to small businesses (KB + ESSOX)**

- outstanding volume (CZK million) 47,500 47,400 47,400 46,800 46,800 47,400 47,700 47,200 47,900 47,700 47,000 46,000 45,900 45,600 44,300 43,100 n.a. n.a. n.a. n.a. n.a.

Loans to corporates and other loans w/o repo operations (KB+KBSK, before consolidation adjustments)
- outstanding volume (CZK million) 361,900 346,900 338,300 338,100 335,700 340,900 325,500 312,900 304,900 298,300 291,300 286,200 288,100 294,200 288,800 289,400 280,900 285,600 280,600 276,700 276,800

Factoring KB
- outstanding volume (CZK million) 10,000 9,000 9,400 9,000 10,100 9,800 10,300 9,500 11,400 8,900 8,500 8,100 8,300 7,400 7,000 8,600 9,400 8,600 8,800 8,100 9,000

SGEF
- outstanding volume (CZK million) 34,200 33,200 32,500 31,500 31,500 31,400 31,700 31,000 30,700 30,600 30,500 30,000 30,300 30,600 30,200 29,800 29,000 28,700 28,400 27,700 28,100

ESSOX
- outstanding volume (CZK million) 20,800 20,900 20,300 19,200 18,400 18,700 18,500 17,600 17,300 17,500 18,000 18,200 17,700 16,400 16,300 17,100 17,400 17,500 17,500 17,500 17,300
* Excluding retail loans to entrepreneuring clients
** Including ESSOX retail loans to entrepreneuring clients
Selected operational data
Dec-23 Sep-23 Jun-23 Mar-23 Dec-22 Sep-22 Jun-22 Mar-22 Dec-21 Sep-21 Jun-21 Mar-21 Dec-20 Sep-20 Jun-20 Mar-20 Dec-19 Sep-19 Jun-19 Mar-19 Dec-18
Distribution network
KB Retail branches 212 212 215 217 218 218 218 240 242 243 243 242 242 243 275 332 342 344 344 345 364
MPSS Points of sale 199 201 203 201 198 195 194 203 202 200 200 199 201 201 200 202 205 201 200 201 204
ATMs (KB network) 796 821 852 855 850 862 863 861 860 856 846 823 809 802 802 800 796 787 786 779 776
of which deposit-taking 510 521 536 533 521 521 521 514 502 494 477 449 429 415 406 395 389 375 359 336 320
of which recycling 421 418 417 375 354 352 351 342 326 304 276 245 220 205 196 185 178 165 149 125 119
of which contactless 688 679 690 662 645 643 641 626 604 579 552 421 304 286 268 253 241 227 0
ATMs (Total shared network) 1,974 2,012 2,062 2,052 1,412 1,420

Employees number,
year to date average
KB (Czech Republic) 6,456 6,475 6,547 6,565 6,511 6,502 6,529 6,581 6,694 6,712 6,753 6,825 7,062 7,099 7,151 7,173 7,168 7,158 7,152 7,178 7,416
Group 7,551 7,541 7,549 7,541 7,503 7,496 7,522 7,564 7,687 7,705 7,748 7,820 8,061 8,099 8,150 8,173 8,167 8,155 8,144 8,167 8,413
Selected financial ratios and indicators
(consolidated)

Pro-forma
4Q 2023 3Q 2023 2Q 2023 1Q 2023 4Q 2022 3Q 2022 2Q 2022 1Q 2022 4Q 2021 3Q 2021 2Q 2021 1Q 2021 4Q 2020 3Q 2020 2Q 2020 1Q 2020 4Q 2019 3Q 2019 2Q 2019 1Q 2019 4Q 2018
Financial Ratios and Values, end of period
Capital Adequacy (CNB, Basel III) 18.8% 20.2% 20.0% 19.8% 19.5% 21.1% 20.3% 20.2% 21.3% 23.0% 23.2% 22.5% 22.3% 21.6% 21.9% 20.8% 19.7% 19.4% 19.0% 18.9% 18.5%
Tier 1 ratio (CNB, Basel III) 17.7% 19.6% 19.5% 19.2% 18.9% 20.5% 20.0% 19.8% 20.9% 22.5% 22.6% 21.8% 21.7% 20.9% 21.3% 20.2% 19.1% 18.9% 18.4% 18.4% 17.9%
Risk weighted assets for credit risk (CZK billion, Basel III) 452.3 433.7 427.3 429.1 430.8 432.2 442.3 425.8 400.2 388.9 387.6 374.3 375.9 375.2 368.5 376.6 367.6 371.6 373.5 369.2 375.4
Total risk weighted assets (CZK billion, Basel III) 563.9 527.6 524.6 525.0 523.0 525.7 533.2 512.3 484.4 471.1 467.3 447.7 450.6 453.2 446.7 455.6 439.2 448.1 451.8 445.5 451.1
Net Interest Margin (NII/Interest bearing assets) annualized 1.8% 1.9% 1.9% 2.0% 2.2% 2.1% 2.2% 2.2% 2.1% 1.7% 1.6% 1.7% 1.9% 1.8% 1.7% 2.2% 2.2% 2.1% 2.1% 2.3% 2.3%
Cost / Income ratio 46.8% 44.0% 44.7% 55.9% 40.9% 37.2% 37.7% 50.3% 43.0% 45.0% 47.3% 58.5% 48.7% 47.9% 48.9% 56.2% 45.6% 42.5% 42.9% 52.6% 42.7%
Cost / Assets 0.28% 0.26% 0.28% 0.35% 0.30% 0.24% 0.25% 0.34% 0.30% 0.26% 0.26% 0.34% 0.31% 0.28% 0.28% 0.36% 0.34% 0.29% 0.30% 0.37% 0.34%
Loans / Assets 55.0% 53.6% 54.4% 55.1% 59.9% 52.0% 50.8% 52.8% 58.2% 51.5% 52.5% 52.9% 58.3% 54.1% 53.9% 53.3% 60.1% 52.7% 54.1% 55.5% 59.0%
Equity / Assets 8.5% 8.3% 8.2% 9.0% 9.6% 8.8% 8.5% 9.3% 10.2% 9.2% 9.3% 9.3% 10.0% 9.1% 9.0% 8.9% 10.1% 8.5% 8.5% 9.4% 9.7%
Loans / Deposits (incl. repo operations) 73.9% 72.1% 73.1% 73.0% 82.2% 69.3% 68.6% 70.2% 75.7% 64.9% 67.1% 67.1% 75.0% 70.8% 71.9% 71.6% 78.8% 71.9% 71.8% 73.4% 76.9%
Loans / Deposit ratio (excl. repo with clients) 82.8% 79.3% 80.2% 80.5% 85.2% 76.9% 74.0% 72.8% 76.4% 68.1% 69.5% 68.9% 76.1% 73.2% 74.3% 73.6% 79.0% 74.8% 75.7% 75.7% 78.3%

Return on average equity, annualized 10.6% 14.2% 14.9% 11.6% 14.9% 14.9% 15.4% 11.2% 13.4% 11.3% 10.6% 7.0% 7.4% 6.0% 6.6% 10.0% 14.8% 15.4% 16.1% 12.5% 15.9%
Return on average assets, annualized 0.9% 1.1% 1.2% 1.0% 1.3% 1.3% 1.3% 1.1% 1.3% 1.0% 1.0% 0.7% 0.7% 0.5% 0.6% 0.9% 1.3% 1.3% 1.4% 1.2% 1.4%

Number of shares outstanding, end of period 188,855,900 188,855,900 188,855,900 188,855,900 188,855,900 188,855,900 188,855,900 188,855,900 188,855,900 188,855,900 188,855,900 188,855,900 188,855,900 188,855,900 188,855,900 188,855,900 188,855,900 188,855,900 188,855,900 188,855,900 188,855,900
Earnings per share (CZK), annualized 69.0 90.4 95.8 75.4 98.1 98.8 101.9 74.4 88.3 72.7 66.3 42.3 43.9 34.9 37.7 56.3 81.3 81.5 85.5 67.3 82.4
Book value per share (CZK) 662 646 624 662 643 675 655 668 658 655 633 613 603 590 581 567 559 538 518 546 529
Market capitalisation (CZK billion) 126.9 125.5 135.5 123.7 118.8 125.1 161.8 176.6 176.6 167.4 143.0 129.7 124.1 91.8 104.1 89.1 156.7 151.1 168.3 177.5 160.0

Share price
Share price, end of period 672 665 718 655 629 663 857 935 935 887 757 687 657 486 551 472 830 800 891 940 847
P/E (P/Net profit for the quarter annualized) 9.7 7.4 7.5 8.7 6.4 6.7 8.4 12.6 10.6 12.2 11.4 16.2 15.0 13.9 14.6 8.4 10.2 9.8 10.4 14.0 10.3
P/Book Value 1.0 1.0 1.1 1.0 1.0 1.0 1.3 1.4 1.4 1.4 1.2 1.1 1.1 0.8 0.9 0.8 1.5 1.5 1.7 1.7 1.6
Dividend paid/proposed in the year (per share, CZK) 60.42 99.3 23.9 0 51 47
Payout ratio (Dividend/Net profit of the last year) 64.8% 147.4% 55.3% 0.0% 64.9% 59.5%

Loan portfolio overview

Gross client loans (CZK billion) 827.7 808.3 794.6 789.1 784.9 787.2 769.4 750.7 738.9 724.8 708.1 695.4 691.4 695.3 680.4 671.1 656.6 657.1 651.7 640.5 636.6
Stage 1 loans (share on portfolio)* 83.4% 84.9% 84.7% 84.4% 84.5% 84.4% 90.8% 89.6% 89.8% 91.6% 90.8% 90.7% 90.9% 90.5% 92.4% 92.4% 92.7% 92.8% 92.8% 92.2% 92.0%
Stage 2 loans (share on portfolio)* 14.7% 13.1% 13.2% 13.4% 13.1% 13.4% 6.8% 8.0% 7.8% 5.8% 6.3% 6.4% 6.4% 7.2% 5.5% 5.5% 5.1% 5.0% 4.9% 5.3% 5.3%
NPL loans (share on portfolio) 1.8% 2.0% 2.1% 2.2% 2.3% 2.3% 2.4% 2.4% 2.5% 2.7% 2.9% 2.9% 2.6% 2.3% 2.2% 2.1% 2.1% 2.3% 2.3% 2.5% 2.7%

Provision coverage
Specific provisions for Stage 1 and Stage 2 loans 4.6% 4.4% 4.4% 4.4% 4.5% 4.8% 7.6% 6.5% 6.8% 8.9% 8.7% 8.4% 8.6% 8.3% 8.2% 5.6% 5.8% 5.6% 5.6% 5.6% 5.7%
Specific provisions for NPL loans 47.1% 50.9% 51.3% 50.8% 51.0% 50.6% 51.2% 51.5% 51.6% 52.0% 49.2% 48.5% 50.2% 52.4% 52.8% 55.7% 58.5% 59.7% 59.9% 60.8% 59.4%

Ratings, end of period

Standard & Poor's - long term A A A A A A A A A A A A A A A A A A A A A
Standard & Poor's - short term A-1 A-1 A-1 A-1 A-1 A-1 A-1 A-1 A-1 A-1 A-1 A-1 A-1 A-1 A-1 A-1 A-1 A-1 A-1 A-1 A-1
Moody's - long term A1 A1 A1 A1 A1 A1 A1 A1 A1 A1 A1 A1 A1 A1 A1 A1 A1 A1 A1 A1 A1
Moody's - short term Prime-1 Prime-1 Prime-1 Prime-1 Prime-1 Prime-1 Prime-1 Prime-1 Prime-1 Prime-1 Prime-1 Prime-1 Prime-1 Prime-1 Prime-1 Prime-1 Prime-1 Prime-1 Prime-1 Prime-1 Prime-1
Fitch Ratings - long term A A A A A A A A A A A A A A A A A A A A A
Fitch Ratings - short term F1 F1 F1 F1 F1 F1 F1 F1 F1 F1 F1 F1 F1 F1 F1 F1 F1 F1 F1 F1 F1

* 4Q 2020 exposures in Stage 1 and 2 are restated in accordance with an adjustment to the IFRS9 classification methodology applied in 4Q 2021.
Net interest margin

CONSOLIDATED (CZK million)

(source: Profit and Loss Statement) FY 2023 9M 2023 1H 2023 1Q 2023 FY 2022 9M 2022 1H 2022 1Q 2022 FY 2021 9M 2021 1H 2021 1Q 2021 FY 2020 9M 2020 1H 2020 1Q 2020 FY 2019 9M 2019 1H 2019 1Q 2019 FY 2018
Net interest income and similar income, year-to-date 25,595 19,320 12,812 6,349 28,632 21,499 14,157 6,856 21,795 15,347 9,956 5,004 21,360 16,099 10,843 5,845 23,591 17,670 11,759 5,892 22,704
Of which:
Loans and advances at amortised cost 66,139 47,647 30,191 14,472 51,842 36,489 21,995 9,438 20,713 13,676 8,688 4,326 19,501
Debt securities at amortised cost 4,407 3,286 2,160 1,045 3,187 2,243 1,466 658 2,065 1,524 961 443 1,707
Debt securities other 442 371 271 136 559 419 278 138 681 518 349 179 683
Financial liabilities at amortised cost -38,798 -27,215 -16,814 -7,842 -22,194 -14,231 -7,477 -2,458 -2,288 -1,142 -653 -312 -2,276
Hedging financial derivatives - income 48,102 35,902 23,685 11,533 37,176 25,763 15,034 6,499 11,697 7,526 4,792 2,408 14,240
Hedging financial derivatives - expense -54,697 -40,671 -26,681 -12,995 -41,938 -29,185 -17,139 -7,419 -11,074 -6,754 -4,180 -2,040 -12,495
31 Dec 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar 31 Dec 30 Sep 30 Jun 31 Mar 31 Dec
(source: Balance Sheet) 2023 2023 2023 2023 2022 2022 2022 2022 2021 2021 2021 2021 2020 2020 2020 2020 2019 2019 2019 2019 2018
Cash and current balances with central banks/ Current balances with central
banks 4,530 3,983 4,162 9,384 6,167 16,782 10,807 47,865 21,455 69,952 14,284 16,003 15,050 38,699 18,983 19,597 7,737 21,724 14,058 10,276 16,347
Loans and advances to banks 411,644 428,191 383,240 339,065 233,398 420,753 455,150 349,137 257,196 374,771 377,833 368,290 262,606 314,422 319,222 342,931 244,561 366,063 349,218 319,000 256,268
Loans and advances to customers 833,542 810,314 797,985 788,248 781,463 776,560 757,528 738,500 724,587 709,811 692,814 679,531 679,956 683,684 671,699 661,387 647,259 646,916 641,514 628,571 624,954
Financial assets held for trading at fair value through profit or loss’/ Debt securities
19,621 12,645 11,868 12,413 9,968 13,232 12,385 9,052 8,696 10,244 12,311 10,757 3,342 9,066 16,628 5,858 4,112 10,205 6,426 4,496 3,248
'Non-trading financial assets at fair value through profit or loss/ Debt securities 0 0 0 129 132 133 135 132 135 0 0 0 279 0 0 0 0 0 0 0 0
Financial asset at fir value through other comprehensive income (FV OCI)/ Debt
securities 16,729 18,911 27,362 28,826 30,119 30,082 31,004 33,368 35,509 37,730 38,670 39,981 40,151 41,159 44,526 36,986 35,682 34,923 31,799 27,968 24,909
Debt securities 152,238 152,355 152,825 153,700 139,276 128,593 121,237 131,481 114,078 109,760 119,024 104,495 92,839 89,387 88,632 79,239 71,581 73,130 73,137 78,200 69,881
Interest bearing assets (end of period) 1,438,304 1,426,399 1,377,441 1,331,765 1,200,524 1,386,136 1,388,246 1,309,536 1,161,656 1,312,268 1,254,936 1,219,056 1,094,223 1,176,417 1,159,691 1,145,999 1,010,932 1,152,962 1,116,152 1,068,510 995,608
Average interest bearing assets, year-to-date 1,319,414 1,313,461 1,288,983 1,266,144 1,181,090 1,273,896 1,274,951 1,235,596 1,127,939 1,203,246 1,174,579 1,156,640 1,052,578 1,093,675 1,085,311 1,078,466 1,003,270 1,074,285 1,055,880 1,032,059 966,563
NIM year-to-date, annualized 1.94% 1.96% 1.99% 2.01% 2.42% 2.25% 2.22% 2.22% 1.93% 1.70% 1.70% 1.73% 2.03% 1.96% 2.00% 2.17% 2.35% 2.19% 2.23% 2.28% 2.35%

CONSOLIDATED (CZK million)

(source: Profit and Loss Statement) 4Q 2023 3Q 2023 2Q 2023 1Q 2023 4Q 2022 3Q 2022 2Q 2022 1Q 2022 4Q 2021 3Q 2021 2Q 2021 1Q 2021 4Q 2020 3Q 2020 2Q 2020 1Q 2020 4Q 2019 3Q 2019 2Q 2019 1Q 2019 4Q 2018
Quarterly Net interest income and similar income 6,276 6,507 6,463 6,349 7,132 7,342 7,302 6,856 6,448 5,390 4,953 5,004 5,261 5,256 4,998 5,845 5,921 5,911 5,867 5,892 6,030
Of which:
Loans and advances at amortised cost 18,492 17,456 15,719 14,472 15,353 14,494 12,557 9,438 7,038 4,987 4,362 4,326
Debt securities at amortised cost 1,121 1,126 1,115 1,045 944 777 808 658 542 563 518 443
Debt securities other 71 100 135 136 140 141 140 138 163 169 170 179
Financial liabilities at amortised cost -11,582 -10,401 -8,972 -7,842 -7,964 -6,754 -5,019 -2,458 -1,146 -489 -341 -312
Hedging financial derivatives - income 12,200 12,217 12,152 11,533 11,413 10,729 8,535 6,499 4,171 2,734 2,384 2,408
Hedging financial derivatives - expense -14,026 -13,990 -13,686 -12,995 -12,752 -12,046 -9,720 -7,419 -4,320 -2,574 -2,140 -2,040
Quarterly avg. interest bearing assets 1,432,351 1,401,920 1,354,603 1,266,144 1,293,330 1,387,191 1,348,891 1,235,596 1,236,962 1,283,602 1,236,996 1,156,640 1,135,320 1,168,054 1,152,845 1,078,466 1,081,947 1,134,557 1,092,331 1,032,059 1,032,561
NIM in the quarter, annualized 1.75% 1.86% 1.91% 2.01% 2.21% 2.12% 2.17% 2.22% 2.09% 1.68% 1.60% 1.73% 1.85% 1.80% 1.73% 2.17% 2.19% 2.08% 2.15% 2.28% 2.34%
Information on consolidated capital and risk weighted assets for calculation of capital adequacy (Basel III)
CZK million

Consolidated capital
4Q 2023 3Q 2023 2Q 2023 1Q 2023 4Q 2022 3Q 2022 2Q 2022 1Q 2022 4Q 2021 3Q 2021 2Q 2021 1Q 2021 4Q 2020 3Q 2020 2Q 2020 1Q 2020 4Q 2019 3Q 2019 2Q 2019 1Q 2019 4Q 2018
Total original capital (Tier 1) = Common Equity Tier 1 (CET1) 99,718 103,585 102,136 100,890 98,616 107,559 106,441 101,441 101,072 106,090 105,786 97,696 97,906 94,654 95,182 91,924 84,062 84,470 83,143 81,784 80,788
paid up share capital entered in the commercial register 19,005 19,005 19,005 19,005 19,005 19,005 19,005 19,005 19,005 19,005 19,005 19,005 19,005 19,005 19,005 19,005 19,005 19,005 19,005 19,005 19,005
share premium 149 149 149 149 149 149 149 149 149 149 149 149 149 149 149 149 149 149 149 149 149
own shares -726 -726 -726 -726 -726 -726 -726 -726 -726 -726 -726 -726 -726 -726 -726 -726 -726 -726 -726 -726 -726
other reserve funds 5,796 5,791 5,786 5,781 5,776 5,773 5,767 5,762 5,757 5,752 5,747 5,742 5,736 5,732 5,727 5,722 5,716 5,710 5,703 5,157 5,149
retained earnings for the previous periods 85,220 85,167 85,185 96,582 77,775 88,006 87,928 96,653 84,210 89,132 89,179 89,141 81,047 80,771 80,769 80,711 65,812 65,826 65,778 66,250 61,089
profit of the current period 15,612 12,353 8,086 3,561 17,556 12,927 8,319 3,513 12,727 8,557 5,126 1,997 8,157 6,082 4,437 2,658 14,901 11,061 7,213 3,176 14,846
unusable profit* -15,709 -8,030 -5,256 -13,726 -11,411 -8,403 -5,407 -15,010 -12,727 -8,557 -5,126 -10,154 -8,157 -6,082 -4,437 -2,658 -11,027 -7,190 -4,688 -2,065 -9,650
accumulated other comprehensive income (OCI) 1 173 275 616 668 967 1,710 1,865 2,388 1,861 1,017 511 447 468 305 -465 682 577 669 486 418
Adjustments to CET1 -9,630 -10,298 -10,369 -10,352 -10,175 -10,140 -10,303 -9,771 -9,711 -9,083 -8,586 -7,970 -7,753 -10,745 -10,048 -12,473 -10,451 -9,943 -9,960 -9,650 -9,493
gains/(losses) on hedging instruments -208 -302 -308 -542 -596 -795 -1,168 -1,039 -1,248 -683 -399 65 90 123 142 -71 82 163 152 117 87
accumulated profit/loss from changes in the fair value of liabilities to
changes in credit risk 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
unrealised gains/(losses) on the AFS portfolio 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0 0
additional value adjustment -117 -129 -121 -104 -107 -123 -134 -176 -140 -150 -144 -173 -149 -1,054 -467 -397 -355 -275 -248 -275 -288
goodwill from consolidation -3,606 -3,606 -3,606 -3,606 -3,606 -3,606 -3,606 -3,606 -3,606 -3,606 -3,606 -3,606 -3,606 -3,606 -3,606 -3,606 -3,606 -3,606 -3,606 -3,606 -3,606
other goodwill than from consolidation -146 -146 -146 -146 -146 -146 -146 -146 -146 -146 -146 -146 -146 -146 -146 -146 -146 -146 -146 -146 -146
other intangible assets (besides goodwill) -5,415 -6,041 -6,103 -5,905 -5,693 -5,395 -5,074 -4,775 -4,562 -4,492 -4,291 -4,111 -3,942 -6,062 -5,971 -5,819 -5,681 -5,440 -5,278 -5,050 -4,959
deductible items due to an insufficient coverage of expected credit losses -138 -74 -85 -49 -28 -75 -174 -28 -9 -6 0 0 0 0 0 -2,434 -746 -639 -835 -690 -581
Total additional capital (Tier 2) 6,154 2,867 2,725 2,864 3,122 3,150 2,026 1,993 2,136 2,313 2,480 2,821 2,784 3,316 2,686 2,738 2,546 2,587 2,550 2,586 2,578
Total capital 105,872 106,452 104,860 103,753 101,738 110,709 108,467 103,434 103,209 108,404 108,266 100,516 100,690 97,970 97,868 94,662 86,608 87,057 85,693 84,370 83,366

Consolidated risk weighted assets

4Q 2023 3Q 2023 2Q 2023 1Q 2023 4Q 2022 3Q 2022 2Q 2022 1Q 2022 4Q 2021 3Q 2021 2Q 2021 1Q 2021 4Q 2020 3Q 2020 2Q 2020 1Q 2020 4Q 2019 3Q 2019 2Q 2019 1Q 2019 4Q 2018
Total risk weighted assets 563,886 527,622 524,601 525,006 522,975 525,731 533,204 512,285 484,372 471,082 467,265 447,676 450,628 453,232 446,710 455,601 439,237 448,092 451,821 445,457 451,052
for credit risk 452,312 433,666 427,348 429,125 430,842 432,207 442,293 425,785 400,209 388,884 387,560 374,273 375,851 375,244 368,486 376,567 367,550 371,643 373,473 369,216 375,390
for credit risk pursuant to the Standardised Approach in IRB 80,274 77,636 75,919 76,181 74,592 72,790 72,482 67,043 69,788 68,187 69,346 70,743 69,839 70,227 70,300 71,864 69,030 71,992 72,118 70,765 71,551
for credit risk pursuant to the IRB Approach 372,038 356,030 351,430 352,944 356,250 359,418 369,812 358,742 330,420 320,697 318,213 303,530 306,012 305,017 298,186 304,702 298,520 299,651 301,355 298,452 303,839
for settlement risk 0 0 0 44 0 0 0 0 0 0 0 0 16 0 0 0 15 0 0 0 0
for position, foreign exchange and commodity risks 61,726 44,541 46,796 44,189 42,964 44,052 41,041 38,294 34,680 33,805 30,908 26,859 26,378 29,041 29,133 30,363 23,630 28,349 30,191 28,500 28,797
for the operational risk 46,566 46,566 46,566 46,566 43,304 43,304 43,304 43,304 43,988 43,988 43,988 43,988 45,551 45,551 45,551 45,551 45,142 45,142 45,142 45,142 44,066
for credit valuation adjustment 3,282 2,849 3,891 5,082 5,866 6,167 6,565 4,902 5,495 4,405 4,809 2,556 2,832 3,396 3,540 3,119 2,900 2,958 3,014 2,599 2,799

* In 2023 1Q-3Q, a dividend provision of 65% is applied on profit of the current year. In 2022, a dividend provision of 65% was applied and in 2021, a dividend provision of 100% was applied.